Great reasons to do your banking with us
- An affordable mortgage
- Free banking services the first year, cashback on all purchases
- More security – discounts on legal and insurance services
- An affordable mortgage
- Free banking services the first year, cashback on all purchases
- More security – discounts on legal and insurance services
At SEB, our goal is to make life easier for you – a simpler everyday life, one that lets you pursue your goals and dreams. That’s why we always take a holistic view when we go through your future plans with you. Together, we can set the course for a more sustainable financial situation so you can live the way you want – for an entire lifetime.
More about our offer
Free banking services and cashback
With our Enkla Vardagen package, you get the most common banking services – account, card, Swish, direct debiting and e-invoicing – completely free of charge for one year, at a value of SEK 600.
Insurance discounts
Through our partner Trygg-Hansa, you get a 10% discount on home and car insurance and up to a 30% discount for multiple insurance policies. As a customer at SEB, you also get your own VIP number for faster help when an accident occurs.
SEB Invited
With our exclusive card SEB Invited, you get 1% cashback on everything you buy. The card also comes with Mastercard’s Concierge, plus favorable purchase and travel insurance. You also get Fast Track, which gives you priority access through security at selected airports. All this is free of charge for one year, at a value of SEK 1,800.
Access to family legal services
Our partner Lexly will help you figure out what’s important in your particular circumstances. You get free advice and a 20% discount when you sign an agreement. If you become a mortgage customer, you also get 12 free online agreements such as cohabitation agreements, prenuptial agreements and wills.
Save for the future
When you save money in our green savings account¹ you’re helping to make the climate more sustainable, too. You can also choose to open an investment account¹ to get a higher interest rate over a longer period of time.
0% interest on bridging loans
Get a bridging loan² to bridge the financing gap if you have two homes. This special rate applies for new bridging loans.
Free loan protection
You get our loan protection completely free of charge for the first three months. If you become ill or unemployed, loan protection provides security by covering all or part of your borrowing costs. You can also enable your loved ones to settle all or part of your loan in the event of your death.
Low commission on stocks
Buy and sell stocks on the stock exchanges in Sweden, the rest of the Nordic region and Europe at one of the lowest commissions on the market – from just SEK 1 online and in the app for Nordic stocks and SEK 10 for European stocks . You’ll also gain access to real-time stock prices, sustainability data and our analysis completely free of charge.
Save energy – and money
Use our energy tool to save money while contributing to a more sustainable environment. Analyze your home’s energy consumption and see what improvements you can make. Or discover what financing offers you can benefit from to become more energy efficient, at a special price. So why not take the first step to a greener home?
Automated advice
Get a better grip on your pension savings with the SEB Bot Advisor. Our advisory robot gives you individual investment advice that you can approve at the click of a button. The Bot Advisor follows up on the progress of your holdings and notifies you if it finds new funds that fit your profile. Smart, simple and automatic.
Get tailored robo-advice (Swe)
A broad, quality-assured fund selection
Start saving in one of our award-winning funds, or choose from a wide range of investments that help bring environmental and social benefits. In our range you’ll find funds in different markets and risk levels, managed by SEB or other managers.
Contact us
Call us! We are available 24/7 to help you.
¹ Information regarding the Swedish Deposit Guarantee Scheme
The account is covered by the state deposit guarantee scheme according to a decision of the Swedish National Debt Office. Each customer is guaranteed compensation for their total account balance with the bank up to SEK 1,050,000. In addition to this amount, the customer may receive compensation for certain enumerated events, e.g. sale of a private residence, severance pay, insurance indemnification in an amount not to exceed five million Swedish kronor. The Swedish National Debt Office pays the compensation within seven business days from the date on which the bank is placed into bankruptcy or the Swedish Financial Supervisory Authority ordered the guarantee to commence.
How the deposit insurance works (Swedish National Debt Office).
Example: If you borrow 1 million kronor
With a loan amount of 1,000,000 kronor, a straight-line amortisation of 50 years, an interest rate of 4.49% and automatic repayment, the effective interest rate is 4.58%. The first monthly payment is then 5,409 kronor.
If the interest rate does not change over the loan’s amortisation period of 50 years, the total amount you will pay is 2,124,147 kronor before tax deductions. After a tax deduction of 30%, the total amount is 1,786,903 kronor. In this case, there are 600 payment instalments. Keep in mind that if you receive your salary in a currency other than Swedish kronor, the amount you have to pay back can be affected by exchange rate fluctuations.
The credit is provided by Skandinaviska Enskilda Banken AB (publ), 106 40 Stockholm, corporate identity number 502032-9081. To borrow money, you need to have an account and use online banking with SEB. Your home is used as collateral for the loan.
² A bridging loan is a temporary loan for people who want to pay for a new home while waiting for funds to become available that are tied up in their current home. Free bridging loan is valid until 30 June 2024 for those who take out their new mortgage in SEB. All borrowers need to have mortgages, packages with banking services (Enkla vardagen) and savings or retirement savings in SEB.
Example of a typical bridging loan
With a loan amount of 1,000,000 kronor to be repaid in full at the end of the loan term, a maturity of 6 months, an interest rate of 0%, a setup fee of 0 kronor and a notification fee of 0 kronor assuming that automatic payments are used, the effective interest rate will be 0%. The total amount to pay during the term of the loan is 1,000,000 kronor. There is one payment instalment. Interest rate as of 1 January 2024. The interest rate is fixed throughout the term of the loan.